Jump to content


  • Tweets

  • Posts

    • Just a little something for consideration When a card is compromised, the replacements can be set up to automatically allow or manually re-add, old recurring transactions. The card issuer may ask you to confirm legitimate transactions which they would effectively 'migrate' to the new card Some do - some don't. Some staff on some cards seem to be entirely unaware/uncaring about this. Some card issuers expect you to sort it all out manually.   BUT if the leak is an ongoing lyca leakas it seems - as soon as you or your CC supplier give it to lyca/the leak source - compromised again     A note on security DONT use the same email or phone number for your banking as you do for sims etc. Although a bank eg santander leak would compromise this Infp seems to suggest that single/compromised multi factor authentication customers are priority targets, with more robustly secure cards being hit by 0.00 tests first Consider that the email address is one of the OTP recieving options AND one of the OTP security checks prior to sending the OTP - with the phone number being another So if they've got your card and email (same email for banking and end contact) - and you aren't forcing a phone OTP - you are compromised.  
    • Thanks for posting up the back of the NTK. The good news s that as it does not comply with the Protection of Freedoms Act, it means that you are not liable for the charge as the keeper as I explained in a previous post.  The PC fails for two reasons. The first is that it does not specify the period of parking. All it does is list the arrival and departure times of your car. Obviously that does not include the time taken to drive to the car parking space, manoeuvre the car into the space and later drive from the space to the exit. Nor does their times include things like getting kids disabled people out of and into the car as well as things like returning the trolley whilst still being parked. All of which can add a fair bit of time to the parking period which can then be subtracted from their ANPR times and makes your actual parking time a lot shorter than 118 minutes they seem to think it is. The second reason is that they failed to ask the keeper to pay Schedule 4 Section 9 [2][e]  (e)state that the creditor does not know both the name of the driver and a current address for service for the driver and invite the keeper— (i)to pay the unpaid parking charges You as keeper are now in the clear which is a good reason for you to contact Sainsbury  stating that you are being pursued as the keeper when you are not liable under the Act as well as the oher things I suggested in my previous post. If you don't get it cancelled with Sainsbury this could drag on for months with endless letters unlawfully pushing the price up to scare you into paying.  
    • Brilliant! That's great to hear and honestly pleased I'm wrong, my advice was out of concern. I checked some of your previous posts last night and you've been giving great advice to others at times. Bringing a claim can be serious (counter-claims etc) and it didn't appear you were knowledgeable based on posts so far. Far from an expert myself, just interested and will try to help. I'll sit on the sidelines, best of luck with the claim!
    • Thank you so much for the advice  I will try and up my savings to £500 for the next 6 months. Although I do still have an uphill battle, I feel more able to deal with it.  I hope my experience with the cifas marker helps someone else who finds themselves in that quite horrible situation. It is a huge weight off my shoulders getting it removed.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Data Protection Act Claim ***SETTLED***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3976 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all,

After reading the forum on here for a very long time and gaining some excellent advice, I have finally joined as I could please do with some advice.

In March 2012 I submitted a subject access request to a council. It’s a long story but I fought them for a while to get my files. The council have sent me files on three different occasions, the last been November 2012.

I know the council still have not sent me everything, so I decided to take the matter to court and issued a claim under section 7 and 15, also damages and costs within the discretion of the court. I put no amount at all.

The claim was served and the court sent me the council’s allocation questionnaire saying they were defending it in full. They also sent a defence claiming they did not breach the Act. Yet it took them nearly eight months to send me files and the ICO said they have breached the Act.

Since then the council have wrote to me offering me £500 as long as I withdraw the claim and sign a confidentiality agreement. This is where I’m not sure what to do, as there letter is titled Without Prejudice save as to Costs.

Also on the council’s allocation questionnaire they ticked the box suitable for the small claims track, yet where it says if you think it’s suitable for small claims do not put costs. They have put costs of over £2000.

To be honest I was not expecting all of this, seeing as they quite blatantly breached the Act.

I am not really sure what to do now.

Any help would be much appreciated.

Thanks

Link to post
Share on other sites

Councils are basically dinosaurs. Also they have huge resources - your money - and very little accountability.

 

If you have a finding from the ICO that they are in breach of the DPA then there is very little they can do.

 

 

Their so called without prejudice save as to costs offer is abusive of the court process because they know full well that with a small claim, they won't get costs anyway - if you have a good reason for continuing the action - for instance if they are still in breach because they haven't supplied everything.

 

If you wanted to, you could accept the £500 - and then begin another SAR immediately and begin another court action when they failed to complete the disclosure.

 

I can tell you that £500 is probably a bit more than you have expected to have been awarded by the court - so this might not be a bad option - if you want to have a bit of fun at their expense.

 

By the way, if you think that their disclosure is incomplete, then to bring a successful action , you will have to have a reasonable idea of what it is they are withholding and evidence that they still have the data.

Link to post
Share on other sites

Tricky one but since the information commissioner found them in breach of the DPA then you are entitled to compensation and the value is difficult to quantify but as for confidentiality clause they did not see fit not to publish or defame you so this clause is rather a worthless gesture but also they do not want others to see their carelessness in handling other peoples data without prejudice is a bit rich coming from them the bluff they will defend the indefensible so value wise your claim should be at least ten times their estimate so ask for a financial settlement of between 5 and 10 thousand let them try to knock you down but no confidentiality clause unless it is the higher figure

Link to post
Share on other sites

I can definitely prove they have not sent me everything. But what about their questionnaire it says in bold do not put costs if you think the claim is suitable for the small claim track, I’m assuming this is to intimidate me to drop the claim.

Sorry forgot to mention they put in the letter that if I did not do better at court than the offer they have made me, they will apply for a costs order against me.

When they first replied to my SAR they wrote back and said they don’t appear to hold any files on me. That’s where I fought them a bit and told them they had been writing to me for over two years.

To be honest the claim was never really about money but more about getting my files.

If I did write back to them and offered to settle out of court, would I title the letter the same as they did, Without Prejudice save as to Costs?

 

Thank you for you replies.

Link to post
Share on other sites

Hi

 

Interesting thread and council once again playing rough shot as they are in the wrong but trying not to admit it and shut you up.

 

You need to bear in mind that if you sign their legal Disclaimer you cannot discuss or take any further action with your case and them putting without predjudice is their way of not admitting liability.

 

Personally if you feel happy with the figure offered I would just write back stating you will accept their offer but only under the condition that you will not sign any Disclaimer as this is not acceptable. (Remember you are under no obligation to sign any disclaimer)

 

Could I ask who it is that you are dealing with at the council, is it by any chance the chief executives complaints team?

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Hi stu007

The replies have been from the local authority’s legal department solicitors.

I understand what you mean about not signing the disclaimer, I have not signed it or replied yet.

Could you please tell me if I should be able to have the case at my local court? As that’s another problem I’m having.

I sent the claim to my local court, they then sent it to Northampton, Northampton then sent it back to my local court, and now my local court have sent it to the councils local court over 90 miles away from me.

I think they have done this because in the council’s allocation questionnaire they have put they wanted their local court due to convenience of witnesses. They also put in their defence “The Defendant avers that the normal position under the Civil Procedure Rules would be that where a claim is defended, the matter should be transferred to the Defendant’s home court”.

I phoned my local court and they were not interested and said to contact the court where my files have now been sent.

I emailed the court manager and said I believed that the case should be heard at my local court as the defendant was not an individual and I have not asked for a specific amount. I got no reply. I phoned the court and they said I can’t do anything as the judge as said no and the case will be heard there.

 

I feel like just taking the money and calling it a day. I’ve never taking anybody to court before and was not expecting all this. They also said in their defence my claim was “vexatious and an abuse of process of the court and without merit”

Thanks for the help everybody, it’s a great forum, wish I’d joined ages ago.

Edited by Conniff
Link to post
Share on other sites

  • 2 weeks later...

Hi all

 

 

Received a notice from the court saying my claim as been allocated to the small claims track and that the judge considers this case suitable for mediation.

 

 

A court hearing has been set for May with a fee of £325.00.

 

Could somebody please clarify the following:

 

1. Do I have to use the mediation service.

 

2. Is £325.00 the normal fee.

 

3. Why will the court not let me transfer the case to my local court. The court hearing is 90 miles away from me.

 

4. Does a claimant have the right for a case to be held at their local court.

 

Any replies will be much appreciated.

 

Thanks

Link to post
Share on other sites

Sounds like a typing error, the cost shopuld be £25 so it looks like the shift key wasnt hit properly.

All of these cases are allocated by a district judge who sends them to courts that have a sitting judge with the expertise to deal with the particular claim, which is often not your nearest court. You can ask for the case to be moved but there is no guarantee that it will happen.

Your cash offer is a reasonable one as long as you get the info you require, the without prejudice bit means that they cannot be held to the letter so take it as an opening offer. I would accept the money but tell them that you will never sign a confidentiality (gagging) clause because it means you can never revisit the matter (they can sue you for breach of contract if you take them to the ICO or court- obsurd but true). There is no objective reason for offering this other than they wish to treat you or others badly in the future. In the meanwhile take the matter up with your local councillor.

Link to post
Share on other sites

Hi thanks for the replies

Phoned the court and they said the fee is £325.00.

How can it be £325.00, I asked for a order under section 7 and 15 and damages and cost within the discretion of the court. My allocation questionnaire was the N151 (amount to be decided by the court).

I had a look at the court fees, and £325.00 is the highest figure for claims of more than £3000.00. I didn’t put any figure at all on the N1.

I’m starting to think all this is just to get me to drop the claim. And how can the council take nearly eight months to send files, defend it all and have three witnesses. Are they all going to just lie to the court?

Thanks for all the replies. I’m going to write to the council and let them know I will consider their offer but not sign any agreement.

Link to post
Share on other sites

  • 3 months later...

Hi all

Just an update of what happened.

The claim was settled through mediation. The mediator was really helpful, and said she had never heard of this particular council wanting to go through mediation, she said they always take it to court.

Anyway, she got me another £100 from the council, so I ended up with £600 and the files I requested over a year ago.

Thanks for all the advice.

Link to post
Share on other sites

Hi Speedy75

 

Many thanks for returning and giving us the update.

 

I am glad you managed to eventually get this matter sorted and CAG would like to thank all those that assist you with advice.

 

I will amend you thread title to show its 'Settled'.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

This is very good news indeed :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Did you receive your fees back as well ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...